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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,308 | $98,240-13.2% | $82,312+3.6% | $147,586-42.2% |
| Participation rate | 94.1% | 79.7%+14.4pp | 76.9%+17.2pp | 82.8%+11.3pp |
| Annual return | 14.91% | 30.85%-15.9pp | 25.88%-11.0pp | 578.59%-563.7pp |
| Employer contribution / active EE | $6,161 | $3,192+93.0% | $2,428+153.7% | $4,876+26.4% |
| Participant deferral / active EE | $3,523 | $4,383-19.6% | $3,706-4.9% | $5,439-35.2% |
| Admin fee / account holder | $729 | $8,563-91.5% | $5,608-87.0% | $10,886-93.3% |